District: 9
Federal Reserve Bank of: Minneapolis

Filings received during the week ending March 10, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

1ST BANK

* 18C* Branch

1st Bank, Evanston, Wyoming, to merge with North Side State Bank of Rock Springs, Rock Springs, Wyoming, and incident thereto proposes to establish a branch at 601 North Front Street, Rock Springs, Wyoming.

Newspaper:

Not available

Federal Register:

Not applicable

BLACKRIDGE FINANCIAL, INC.

* 3A3

BlackRidge Financial, Inc., Fargo, North Dakota, to acquire 100 percent of BlackRidgeBANK, Fargo, North Dakota, a de novo bank.

Hayward Bancshares, Inc., Eau Claire, Wisconsin, to acquire 100 percent of Summit Community Bank, Maplewood, Minnesota, and incident thereto, Summit Community Bank, Maplewood, Minnesota, a de novo bank, to become a member of the Federal Reserve System.

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: